Women on mountain

International
Health Insurance for groups

Taking care of you and your team 
  

Your team’s healthcare needs are dynamic, diverse and personal. We understand the importance of flexibility and choice; not just with the type of care they need, but also in the way they receive it.

With our cutting-edge services, your team members can explore our digital library, engage with our 24/7 telehealth service, make a call, or secure an in-person consultation. Whether looking after their personal fitness, seeking emotional support or facing a medical emergency, they can be sure of exceptional support.

We provide you and your team with multiple insurance options to suit your needs.

Simply, efficiently, and conveniently.

Cover is subject to:

  • Policy definitions and exclusions
  • Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
  • Any policy endorsements, policy terms and conditions and any other legal requirements.
  • Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay. 

Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.

Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.

Our plans include cover for a wide range of in-patient, out-patient, maternity and day-care treatments as well as an optional level of cover such as dental, optical and repatriation benefits.
 


With our international healthcare plans,  you can build your plan to suit the needs of your employees and your budget.
Step 1:
Choose your Core plan and pick a deductible and co-payment

Our core plan options include a comprehensive selection of in-patient benefits, day-care, maternity and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more.

All our core plans include a selection of Global Health Services that aim to improve the quality of life of your expat team.

Step 2:
Add any of the optional plans and tailor your benefit limits

Provides flexibility and choice to enhance your cover by tailoring select benefit limits and adding any of our optional plans, such as dental, optical and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA or Africa only   

Provides multi-country cover so employees can use their cover in any country included within the area of cover. It is a good idea to select an area where your employees normally travel to or are based for work purposes. 

Terms and conditions and regulatory restrictions apply.

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Maximum plan benefit
US$5,000,000
€3,703,705
£3,100,000  
Maximum plan benefit
US$4,000,000
€2,963,000
£2,460,000
Maximum plan benefit
US$2,500,000
€1,851,850
£1,575,000 
Maximum plan benefit
US$1,750,000
€1,350,000
£1,075,000
Type of room
Private Room
Private Room
Private Room
Private Room
In-patient /Day-care
Oncology
Nursing at home
Preventative surgery
US$40,500/ €30,000/ £24,900
US$40,500/ €30,000/ £24,900
Rehabilitation treatment
Max. 120 days per discharge
Max. 90 days per discharge
Max. 60 days per discharge
Max. 30 days per discharge
Out-patient medical practitioner/ Specialist fees/ Diagnostic tests
US$15,000/ €11,110/ £9,225
US$5,000/ €3,705/ £3,076
Complications of pregnancy and childbirth
US$50,000/ €37,030/ £30,750 per pregnancy
Ask us for other
options available
US$15,000/ €11,110/ £9,225 per pregnancy
Ask us for other
options available
US$15,000/ €11,110/ £9,225 per pregnancy
Ask us for other
options available
Accidental death benefit
US$13,500/ €10,000/ £8,300
Deductible

No deductible or
US$1,000/ €740/ £615

or
US$2,000/ €1,480/ £1,225

or
US$4,000/ €2,962/ £2,461

Co-payment

No co-payment 
or

10% up to max.
US$2,000/ €1,480/ £1,225

or
20% up to max.
US$4,000/ €2,962/ £2,461

or
30% up to max.
US$5,000/ €3,705/ £3,076

No co-payment 
or

10% up to max.
US$2,000/ €1,480/ £1,225

or
20% up to max.
US$4,000/ €2,962/ £2,461

or
30% up to max.
US$5,000/ €3,705/ £3,076

No co-payment 
or

10% up to max.
US$2,000/ €1,480/ £1,225

or
20% up to max.
US$4,000/ €2,962/ £2,461

or
30% up to max.
US$5,000/ €3,705/ £3,076

Dental
US$1,500/ €1,110/ £995
Ask us for other
options available
US$1,000/ €740/ £615
Ask us for other
options available
US$750/ €555/ £495
 Ask us for other options available
Optical
80% refund, up to US$500/ €371/ £307
Ask us for other
options available
80% refund, up to US$250/ €185/ £154
Ask us for other
options available
80% refund, up to US$250/ €185/ £154
Ask us for other
options available
Repatriation
helpline

Getting your group policy is much easier and faster when you choose our Moratorium underwriting option. There are no medical forms to complete. It’s hassle free.

GET A QUOTE   

We also offer tailor-made solutions to suit groups of over 100 employees and their dependants.


dummy GET IN TOUCH

We know you might want more information about international health insurance, so we've put together a list of our most commonly-asked questions right here.

International insurance with Group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.

Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Medical History Disregarded terms is members’ health information is not assessed. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered.
  • Pre-existing conditions are usually covered.
  • Claims process is shorter because we already know that pre-existing conditions are covered.
  • This option is usually offered to groups with more than 10 policies.  

Allianz Care offers dummy Emergency Healthcare Plans for groups who only wish to cover the medical emergencies of employees travelling abroad. The group can be covered for single or multiple trips to the region where the healthcare plan is held for up to or a combined maximum of either:

  • 90 travel days per insurance year each
  • 180 travel days per insurance year each

* Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions

We offer coverage and support for most countries around the world with certain locations supported via specific regional plans. For specific group coverage queries, please contact our Sales Team, and they will be happy to assist you. 
We generally  cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.

For further information, please contact our dummy Sales team.
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.
Best International Group Health Insurance Provider 2023.